Home Building Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
Optional extra Complete Replacement Cover - full building replacement
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional extra Complete Replacement Cover - full building replacement
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to 7 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
Yes
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Yes
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured, or reasonable costs and additional 26 weeks for further delays with Complete Replacement Cover optional extra
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation, or reasonable costs and additional 26 weeks for further delays with Complete Replacement Cover optional extra
- Temporary repairs
-
Up to 10% of sum insured - or reasonable cost with Complete Replacement Cover optional extra
- Buildings and structural improvements
-
Yes
- Building materials
-
Yes
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost - or reasonable cost with Complete Replacement Cover optional extra
- Debris removal
-
Up to 10% of sum insured combined with demolition cost - or reasonable cost with Complete Replacement Cover optional extra
- Landscaping
-
Yes, retaining walls, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Save $50 when you buy a new policy online.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to 7 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
Yes
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections
- Cash
-
No
- Cd dvd and electronic files
-
Up to $1,000 combined with computer software
- Computer software and hardware
-
Hardware yes. Software up to $1,000 combined with CDs/DVDs
- Camera and accessories
-
Optional Extra
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,000 per item, up to $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Up to $2,000
- Lock replacement
-
No
- Emergency storage
-
Up to 10% of contents sum insured
- Temporary accommodation
-
No
- Temporary accommodation for pets
-
No
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
Up to 10% of sum insured
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Save $50 when you buy a new policy online.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home Building & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
Yes
-
Underinsurance protection
-
Optional extra Complete Replacement Cover - full building replacement
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional extra Complete Replacement Cover - full building replacement
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to 7 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
Yes
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections
- Cash
-
No
- Cd dvd and electronic files
-
Up to $1,000 combined with computer software
- Computer software and hardware
-
Hardware yes. Software up to $1,000 combined with CDs/DVDs
- Camera and accessories
-
Optional Extra
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,000 per item, up to $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Yes
- Emergency storage
-
Up to 10% of contents sum insured
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured, or reasonable costs and additional 26 weeks for further delays with Complete Replacement Cover optional extra
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation, or reasonable costs and additional 26 weeks for further delays with Complete Replacement Cover optional extra
- Temporary repairs
-
Up to 10% of sum insured - or reasonable cost with Complete Replacement Cover optional extra
- Buildings and structural improvements
-
Yes
- Building materials
-
Yes
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost - or reasonable cost with Complete Replacement Cover optional extra
- Debris removal
-
Up to 10% of sum insured combined with demolition cost - or reasonable cost with Complete Replacement Cover optional extra
- Landscaping
-
Yes, retaining walls, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Save $50 when you buy a new policy online.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Your selected home insurance
AAMI home insurance ratings
Customer reviews
-
AAMI offers solid home insurance with good service
I have home insurance with AAMI, and overall, my experience has been quite positive. One of the things I appreciate most is their comprehensive coverage options, which cater to different needs, whether it’s for the building, contents, or personal liability. Their website and mobile app are user-friendly, making it easy to manage my policy and file claims. Customer support has also been a strong point; I’ve found them to be responsive and helpful when I needed assistance. However, I’ve noticed that their premiums can be on the higher side compared to some competitors, and while I’ve had a good claims experience, I’ve heard some customers mention delays or disputes during the claims process. It’s important to read the fine print as well since certain exclusions might come as a surprise. All in all, AAMI is a solid choice for home insurance, especially if you value good coverage and customer service
-
Too expensive but good claims process
I’ve been with AAMI since moving out of home, and I’m becoming increasingly dissatisfied due to the rising premium costs. I feel like it offers little value for money. I’m only with them because the claims process is easy, versus other insurers who I’ve heard don’t pay out. But I’m finding it difficult to afford AAMI.
-
great company
had a claim. fixed without a fuss.
-
great company
great company to deal wit
-
Discounts for multiple policies
Love AAMI, they give you a discount for adding multiple policies, have a great customer service team and easy to use. No issues!
-
The more you push the more discount you get
My last renewal the cost of the insurance went up by $400 and I didn't make any claims. You are always hearing that you need to shop around so I did and the quotes that I received were what I was paying before the price hike or a little less. I ended up calling AAMI telling them what I found and after a 15 minute conversation back and forth with the cost I got my insurance cheaper than what they quoted me. Could not believe it so I stayed with them.
AAMI products
Home insurance quick links
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Home Insurance Awards